SBI

SBI Card BPCL Credit Card

Good for BPCL purchases.

SBI VISA

BPCL

Should you get this?

Conditional fit

Confirm terms with the issuer

Why this card

Up to 13 pts / ₹100 on BPCL
You spend on bPCL.

Issuer evidence · 3 sources →

Trade-off

The annual fee (₹499) is waived only when eligible annual spend exceeds ₹1,00,000.

Annual fee ₹499 per year

Rewards 1 pt / ₹100

Lounge access 0 no lounge

Forex markup 3.5% high

Compare with Axis Bank ACE →

Similar tier comparison

Rewards

Earning rules

Detail · from the summary above

General spend1 pt / ₹100Credited as reward points—

BPCL (domestic)13 pts / ₹100Credited as reward points1,300 points per month; at 13 pts / ₹100, this lane reaches the cap at ₹10,000 of eligible spend

Redemption value

What a Reward Point is worth

Fuel₹0.25 / pt

How to avoid the annual fee

Spend threshold for waiver

Above ₹1L annual eligible spend required for the waiver

Above ₹1L eligible annual spend waives the fee

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Eligible spend

1 points per ₹100 on eligible spend

Verified value

₹0.25 per point

Fuel

Best verified lane

BPCL (domestic)

13 pts / ₹100

View bonus categories →

Caps

BPCL (domestic)1,300 points per month
Why?
at 13 pts / ₹100, this lane reaches the cap at ₹10,000 of eligible spend

View full earning rules →

Realisation

Credited as reward points

Reported reward terms

Evidence · not used in rates or comparisons

Reported category terms

Departmental Stores · Dining · Grocery · Movies: 5 points per ₹100Domestic & international
Departmental Stores · Dining · Movies: 5 points per ₹150Domestic & international

Reported by secondary sources · verify with issuer1 other source

Evidence only · excluded from decisions

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹1,00,000yearAnnual fee waiver

Watch outs

Before choosing this card

Forex markup is 3.5%, so frequent international spends may be costly.

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: Based on the standard earn rate (1 pt / ₹100). Up to ~500 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
Worth ~₹130 at the conservative redemption floor
Fee waiver achievable at this spend
Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): No complimentary lounge access
International (cardholder): No international lounge entitlement documented by the issuer Absence of an international claim on the product page is not proof of exclusion. Visa or programme terms may still apply.

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify

Issuer site (verified manually) , opens external site
Operator-verified anchor

Rewards

Base earn: 1 points per ₹100 value depends on redemption
Effective return (honest floor): ~0.25% base (conservative redemption) Conservative redemption floor; best documented path is not ranked on.
Headline point value: ₹0.25 per Reward Point (Fuel) Issuer headline channel — full channel grid in Redemption value.

Fees & charges

Fees

Monthly interest rate: 3.75% / month
Annual fee: ₹499
Joining fee: ₹499 · verified 20 Jun 2026
Fee waiver spend: Above ₹1,00,000 · verified 20 Jun 2026 Annual fee waived on eligible anniversary-year spend above ₹1,00,000.
Interest-free period: Up to 50 days · verified 7 Jul 2026

International Use

Forex markup: 3.5%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify

CardInsider
Shared Sbicard Com
Operator-verified anchor
Issuer site (verify current terms) , opens external site
Product tier: Entry-level

Travel & perks

Fuel Benefits

At the pump

No verified fuel benefit available.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits

HDFC Bank Tata Neu Plus RuPay

SIDE BY SIDE

SBI Card BPCL

IDFC FIRST Bank HPCL Power Plus

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

BPCL cap: 1,300 points per month; at 13 pts / ₹100, this lane reaches the cap at ₹10,000 of eligible spend.

Latest update

Annual fee: ₹499.
Forex markup currently listed at 3.5%.
No complimentary lounge access.

Common questions

From verified card facts

Is this good for lounge access?

No lounge access.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Fee waiver applies above ₹1,00,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

Legacy data contains a possible welcome-benefit signal, but the benefit item, qualification, and fulfilment are not verified. Check the issuer welcome email, MITC, and current offer page before relying on it.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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